Kentucky Gym and Subscription Cancellation Letter

Cancel a gym membership or an auto-renewing subscription in Kentucky with a letter that builds in Kentucky law, including Health Spas (KRS 367.900 to 367.930). It runs in your browser; nothing you type is stored or sent.

Kentucky rules checked against primary sources on October 21, 2026.

Everything you type stays in your browser. Nothing is sent, saved, or added to the page address.

Only the reasons Kentucky law addresses for this kind of contract are listed.

Kentucky gym membership rules

The law: Health Spas (KRS 367.900 to 367.930). Read the law

Who it covers: The law covers for-profit establishments offering sports, fitness, exercise or bodybuilding services or access to gyms, pools, tracks, courts or exercise equipment, under oral or written membership agreements, but not 509(a) nonprofits or diet-counseling-only businesses.

  • Cooling-off period: You may cancel within three business days by written notice mailed or delivered by midnight of the third business day after purchase, and all money collected must be refunded. Source: KRS 367.910(3)
  • How the club must let you cancel: The three-day notice counts if mailed or delivered in writing by the deadline; for the death, disability, relocation and closure rights, the notice must be in writing by certified mail, return receipt requested, or personal delivery to the contract address. Source: KRS 367.910(3), (5)
  • Moving away: You may cancel if you move 25 miles or more from the residence stated in the contract and the spa cannot provide comparable facilities within five miles of your new home; the spa may ask for a lease, deed or utility bill, and refunds are prorated by weeks remaining. Source: KRS 367.910(4)(c)
  • Disability or illness: You may cancel if a medical disability keeps you from using a substantial portion of the facilities or services for 30 or more consecutive days; the required contract notice says to provide a doctor's statement, and the spa may require an exam by a mutually agreed doctor at its cost. Source: KRS 367.910(4)(a), (7)
  • Death of the member: The member's estate may cancel on the member's death, with a refund prorated by the weeks remaining. Source: KRS 367.910(4)(a), (7)
  • Club closes or moves: You may cancel with a prorated refund if the spa relocates more than five miles from the contract location; if it fails to open within 90 days of its first sale, becomes insolvent or ceases operation, all contracts are deemed cancelled and refunds are due without any notice from you. Source: KRS 367.910(4)(b), (d)
  • Military service: A person entering military service or a member of the armed forces, reserves or National Guard with official orders to relocate for at least 90 days may terminate or suspend a gym or athletic club membership without penalty or fee by written or electronic notice with a copy of the orders (contracts on or after June 27, 2019); any outstanding balance is still owed. Source: KRS 367.550
  • Refund timing: Refunds under the additional cancellation rights must be paid within thirty days after the spa receives the notice. Source: KRS 367.910(5)

If a business will not process a cancellation, you can complain to: Kentucky Attorney General, Office of Consumer Protection (Consumer Complaints)

Your details
The business

Use the cancellation address in your contract if it gives one; for a franchise gym, that is often your home club.

Leave blank to cancel immediately.

Check before you send:

  • Add the member name exactly as it appears on the account.
  • Add the business name.
  • Add the business mailing address (from your contract or the business website).

Your letter

[Member name]

[Your address]

October 26, 2026

[Business name]

[Business address]

Re: Cancellation of membership

To whom it may concern:

I am writing to cancel my membership, effective immediately.

Please stop all further charges to my payment method, refund any amount paid for a period after the cancellation takes effect, and confirm the cancellation in writing, including the date it took effect.

Please keep this letter with the account records. I am keeping a copy, with proof of the date it was sent.

Sincerely,

[Member name]

Before you send (not part of the letter)

  • Kentucky: The three-day notice counts if mailed or delivered in writing by the deadline; for the death, disability, relocation and closure rights, the notice must be in writing by certified mail, return receipt requested, or personal delivery to the contract address. (KRS 367.910(3), (5))
  • Refund timing in Kentucky: Refunds under the additional cancellation rights must be paid within thirty days after the spa receives the notice. (KRS 367.910(5))
  • Send it in a way you can prove: a method your contract or state law names, and keep a copy. Certified mail with a return receipt gives you a dated record.
  • If charges continue after the cancellation takes effect, you can dispute them with your card issuer or bank (see the timing rules on this page).
  • Complaints: Kentucky Attorney General, Office of Consumer Protection (Consumer Complaints), https://www.ag.ky.gov/Resources/Consumer-Resources/Consumers/Pages/Consumer-Complaints.aspx
  • This letter is a starting point you edit and send yourself. It does not cancel anything by itself, and it is not legal advice.

Kentucky gym membership cancellation law

Kentucky regulates these contracts through Health Spas (KRS 367.900 to 367.930) (KRS 367.900 to 367.930, KRS 367.550). The rules below come from the statute text; each links to its source, and the first line says which contracts the law covers.

Kentucky gym membership rules

The law: Health Spas (KRS 367.900 to 367.930). Read the law

Who it covers: The law covers for-profit establishments offering sports, fitness, exercise or bodybuilding services or access to gyms, pools, tracks, courts or exercise equipment, under oral or written membership agreements, but not 509(a) nonprofits or diet-counseling-only businesses.

  • Cooling-off period: You may cancel within three business days by written notice mailed or delivered by midnight of the third business day after purchase, and all money collected must be refunded. Source: KRS 367.910(3)
  • How the club must let you cancel: The three-day notice counts if mailed or delivered in writing by the deadline; for the death, disability, relocation and closure rights, the notice must be in writing by certified mail, return receipt requested, or personal delivery to the contract address. Source: KRS 367.910(3), (5)
  • Moving away: You may cancel if you move 25 miles or more from the residence stated in the contract and the spa cannot provide comparable facilities within five miles of your new home; the spa may ask for a lease, deed or utility bill, and refunds are prorated by weeks remaining. Source: KRS 367.910(4)(c)
  • Disability or illness: You may cancel if a medical disability keeps you from using a substantial portion of the facilities or services for 30 or more consecutive days; the required contract notice says to provide a doctor's statement, and the spa may require an exam by a mutually agreed doctor at its cost. Source: KRS 367.910(4)(a), (7)
  • Death of the member: The member's estate may cancel on the member's death, with a refund prorated by the weeks remaining. Source: KRS 367.910(4)(a), (7)
  • Club closes or moves: You may cancel with a prorated refund if the spa relocates more than five miles from the contract location; if it fails to open within 90 days of its first sale, becomes insolvent or ceases operation, all contracts are deemed cancelled and refunds are due without any notice from you. Source: KRS 367.910(4)(b), (d)
  • Military service: A person entering military service or a member of the armed forces, reserves or National Guard with official orders to relocate for at least 90 days may terminate or suspend a gym or athletic club membership without penalty or fee by written or electronic notice with a copy of the orders (contracts on or after June 27, 2019); any outstanding balance is still owed. Source: KRS 367.550
  • Refund timing: Refunds under the additional cancellation rights must be paid within thirty days after the spa receives the notice. Source: KRS 367.910(5)

If a business will not process a cancellation, you can complain to: Kentucky Attorney General, Office of Consumer Protection (Consumer Complaints)

Kentucky subscription and automatic renewal law

Kentucky has a general automatic renewal law that applies to consumer subscriptions.

Kentucky subscription and auto-renewal rules

The law: KRS 365.400 to 365.408. Read the law

Who it covers: The law covers automatic renewals for a paid term of more than one month and continuous service plans offered to Kentucky consumers buying for personal, family, or household purposes under contracts made on or after January 1, 2024, but not utilities, telecom, insurers, extended service contract (warranty) providers under KRS 304.5-070, banks, credit unions, consumer loan companies, in-vehicle, roadside or travel subscriptions, or solid waste services.

  • Cancelling online: A business that lets a consumer sign up online must let that consumer cancel exclusively online, which can include a ready-made termination email. Source: KRS 365.402(3)
  • Required ways to cancel: The business must provide a toll-free number, email address, postal address if it bills directly, or another cost-effective, timely and easy cancellation mechanism, described in the acknowledgment. Source: KRS 365.402(2)
  • Free trials: A free gift or trial offer must clearly state the price after the trial, and the business must explain how to cancel and allow cancellation before the consumer pays. Source: KRS 365.402(1)(a), (1)(c)
  • If the business breaks the law: On a first violation the business must give a prorated refund from the start of the most recent term to the date it was notified and corrected the error; if it does not, or on repeat violations, the Attorney General may sue for an injunction, restitution and penalties of up to $500 per violation. Source: KRS 365.406

If a business will not process a cancellation, you can complain to: Kentucky Attorney General, Office of Consumer Protection (Consumer Complaints)

Federal rules that still apply

No. The Federal Trade Commission finalized a "click to cancel" rule in 2024, but on July 8, 2025 the U.S. Court of Appeals for the Eighth Circuit vacated it because the agency skipped a preliminary regulatory analysis the FTC Act requires (Custom Communications, Inc. v. FTC, No. 24-3137 (8th Cir. 2025)). The vacatur brought back the original 1973 rule, which covers only "prenotification" plans such as product-of-the-month clubs, not gym memberships or most subscriptions.

In March 2026 the FTC asked for public comment on a new negative option rule. An advance notice is an early step: it does not create any new obligation for businesses. (FTC press release, March 11, 2026)

Federal law still reaches subscriptions sold online. For subscriptions sold online with automatic charges, federal law (ROSCA) requires clear disclosure of the terms, the consumer's express informed consent, and simple mechanisms to stop the recurring charges. (15 U.S.C. 8403). For gym memberships signed in person, the cancellation rules come from state law and your contract.

If they keep charging you

If a business keeps charging you after a cancellation took effect, you can dispute the charge with the company that issued your card or holds your account. For a credit card, a written billing-error notice must reach the card issuer, at the address it gives for billing errors, within 60 days after it sent the first statement showing the charge. (12 CFR 1026.13(b)) For a debit card or bank transfer, an oral or written error notice must reach the bank within 60 days after it sent the statement that first shows the charge. (12 CFR 1005.11(b)(1)(i))

For automatic debits from a bank account, you can also stop future payments. You can tell your bank to stop a preauthorized electronic payment from your account, orally or in writing, at least three business days before the payment is scheduled. If you call, the bank may require written confirmation within 14 days, and an unconfirmed oral stop order then lapses. (12 CFR 1005.10(c)(1)-(2))

Your copy of the cancellation letter and your proof of the date you sent it are the evidence for a dispute. The regulations define which errors these procedures cover and the card issuer or bank investigates, so send the dispute promptly and in writing.

You can also report a business that will not let you cancel to your state attorney general (each state page lists its complaint office), to the Federal Trade Commission, or, for a problem with a card or bank dispute, to the Consumer Financial Protection Bureau.

What this tool does not do

  • It does not cancel anything for you or contact the business. You send the letter yourself.
  • It cannot read your contract. A statute may exempt your club or plan (for example by price, length, or type of business), and your contract may give you more rights than the statute.
  • It does not tell you whether you owe a fee, a buyout, or the rest of a contract term. Those depend on your contract and the facts.
  • It covers state statutes and the main federal rules only. City rules and court decisions can add to them.
  • It is legal information, not legal advice.

Frequently Asked Questions

Is there a cooling-off period for gym memberships in Kentucky?

You may cancel within three business days by written notice mailed or delivered by midnight of the third business day after purchase, and all money collected must be refunded. (KRS 367.910(3))

Can I cancel my gym membership in Kentucky if I move?

You may cancel if you move 25 miles or more from the residence stated in the contract and the spa cannot provide comparable facilities within five miles of your new home; the spa may ask for a lease, deed or utility bill, and refunds are prorated by weeks remaining. (KRS 367.910(4)(c))

How do I cancel a gym membership in Kentucky?

The three-day notice counts if mailed or delivered in writing by the deadline; for the death, disability, relocation and closure rights, the notice must be in writing by certified mail, return receipt requested, or personal delivery to the contract address. (KRS 367.910(3), (5))

Does Kentucky have a click-to-cancel law?

A business that lets a consumer sign up online must let that consumer cancel exclusively online, which can include a ready-made termination email. (KRS 365.402(3))

Sources

Kentucky rules checked against official sources on October 21, 2026.

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